Multi-brand operators
One orchestration layer for every brand you run
Operators and agencies running several stores need control over many MIDs at once. LumniPay centralises routing, risk and reporting across your portfolio.
The challenge
What gets in the way today.
MIDs scattered across brands
Each store has its own accounts, rules and limits, managed in different places.
No portfolio view
Comparing approval rates and dispute ratios across brands takes manual work.
Risk spreading between stores
A problem on one brand's account can affect the others if volume is not managed carefully.
How LumniPay helps
Payment infrastructure built for this model.
Centralised MID management
Connect and manage MIDs for every brand from your Tagada account.
Rules per brand or product
Route each store, product or funnel to its dedicated MIDs.
Load balancing across accounts
Split volume and enforce caps per MID so no account is overloaded.
Portfolio analytics
Compare approval rate, decline reasons, revenue and chargeback ratio across brands and MIDs.
Consistent risk controls
Apply shared block lists and velocity limits, with exceptions where a brand needs them.
FAQ
Common questions.
Can I keep MIDs separate per brand?
Yes. Routing rules can send each brand or product only to its own MIDs, or share a pool when that makes sense.
Can I see performance across all my stores?
Yes. Analytics show approval rate, revenue, decline reasons and chargeback ratio per brand and per MID.
Does each brand need its own onboarding?
Onboarding happens through Tagada, which reviews each business and its stores. LumniPay then runs inside your Tagada account.
Can agencies manage stores for clients?
Yes. Agencies can run orchestration for the stores they operate on Tagada, with routing rules and reporting set per brand.
Is LumniPay a bank or processor?
No. LumniPay is a technology platform. Processing is provided by licensed partners.